Terms & Conditions

Last Updated: January 2026

By accessing or using the Optima Insurance website and services, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

1. Services

Optima Insurance provides information and assistance related to health insurance products. We do not guarantee approval of any insurance application, as all coverage decisions are made by third-party insurance carriers.

2. SMS Communications

By submitting your contact information, you agree to receive SMS messages, phone calls, and emails from Optima Insurance regarding insurance quotes, updates, and related services.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For help, reply HELP.

3. Consent

Consent is not a condition of purchase. By providing your information, you consent to being contacted even if your number is on a federal or state Do Not Call list.

4. User Responsibilities

You agree to provide accurate and current information when requesting insurance quotes or services.

5. Limitation of Liability

Optima Insurance is not responsible for any decisions made by insurance carriers or for coverage denials, delays, or policy changes.

6. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice.